Clay, KY
How exposed is Clay to wildfire?
Out of every US place USFS scores, Clay lands at the 19th percentile for wildfire risk to structures — among the lower wildfire-risk places nationally — a figure built from its 777 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Clay's burn probability — fire likelihood with no building count factored in — sits at the 20th percentile nationally.
Where Clay's buildings actually sit
Clay rates 50.7% Minimal exposure against just 49.3% Direct and 0% Indirect — of 777 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
How Clay compares
Clay scores 19th nationally and 31st within Kentucky — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Clay ranks 25,585 for wildfire risk (1 is highest) and 13,840 by building count (1 is largest). Within Kentucky alone, it ranks 382 of 552 places by risk. See the full county-by-county picture for Kentucky on its state page.
What this risk score means for insurance
Clay's low rating (19th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
Clay's 50.7% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
Where Clay's figures come from
The methodology guide shows exactly how USFS turned 777 counted buildings into the percentiles shown above for Clay. The exposure-zones guide covers what Clay's dominant minimal exposure actually means, with real examples from across the dataset.